# HERITAGE SOUTH COMMUNITY CU

> **Canonical URL:** https://saferate.com/lenders/heritage-south-community-cu


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HERITAGE SOUTH COMMUNITY CU is a credit union, headquartered in Shelbyville, TN, with 26 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493006MRGHEPWMR2015
- **Headquarters:** Shelbyville, TN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 26
- **Dollar Volume:** $5 million
- **Applications Received:** 61
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $175,000
- **Average Borrower Income:** $102,769
- **Average Property Value:** $298,462

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 16/100 | 26 | +1.135% | $646 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 14/100 | 12 | $3M | +1.099% | Mediocre 😐 |
| Refinance | 24/100 | 14 | $1M | +1.148% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 26 | 0.03% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 24 | 46/100 |

## Frequently Asked Questions

### What loan types does HERITAGE SOUTH COMMUNITY CU offer?

HERITAGE SOUTH COMMUNITY CU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HERITAGE SOUTH COMMUNITY CU offer mortgages?

HERITAGE SOUTH COMMUNITY CU offers mortgages in 1 states: TN.

### What type of lender is HERITAGE SOUTH COMMUNITY CU?

HERITAGE SOUTH COMMUNITY CU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Shelbyville, TN.

### What is HERITAGE SOUTH COMMUNITY CU's loan approval success rate?

HERITAGE SOUTH COMMUNITY CU has a pull-through score of 26/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/heritage-south-community-cu

### How to Cite

> "HERITAGE SOUTH COMMUNITY CU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heritage-south-community-cu

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